This institution is no longer active

Operations ceased on November 28, 1994. CRA examination history below reflects the period it was active.

THE BANK OF OCEANA

OCEANA, WV · Supervised by FDIC

Est. 1972FDIC #20,808RSSD: FDIC-20808

Part ofPOCAHONTAS BANKSHARES CORP→ View all charters

Outstanding Up

Current rating · Exam: June 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.97%

Institution Profile

FDIC BankFind

Address

Main Street And Route 85, OCEANA, WV

County

Wyoming County

Established

September 22, 1972

Total Assets

$44M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1994Call Report / FDIC

Total Assets

$44M

Total Deposits

$39M

Net Loans

$28M

Net Income

$326K

ROA

0.97%

ROE

11.22%

Risk-Based Capital

15.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating locked — dating back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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